| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $116K | $129K | 5.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | $11K | $47K | 19.62% |
| SBP, LLC5 | 13 WHITE FIELD COURT AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $934 | $934 | 0.39% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $827 | $1K | $2K | 8.53% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE CORAL GABLES, FL 33134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $72 | $2K | 7.67% |
| WILLIAM E GECEWICZ3 Filed as: WILLIAM E. GECEWICZ & OTHER AGENTS | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $176 | $1K | 5.33% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS, INC. | 11830 NW 32ND MANOR SUNRISE, FL 33323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $302 | $708 | $1K | 4.33% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $356 | $194 | $550 | 2.36% |
| LUIS CARLOS GONZALEZ3 Filed as: LUIS CARLOS SR. GONZALEZ | 6755 MIAMI LAKES DRIVE APARTMENT J135 MIAMI LAKES, FL 33014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $260 | $78 | $338 | 1.45% |
| GINA MARIE MARTINEZ3 | 2400 NE 36TH STREET, APARTMENT 7 LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $254 | $0 | $254 | 1.09% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE CORAL GABLES, FL 33134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $69 | $2K | 10.56% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $593 | $835 | $1K | 9.49% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS, INC. | 11830 NW 32ND MANOR SUNRISE, FL 33323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $310 | $726 | $1K | 6.89% |
| JOHN E CARTER III3 Filed as: JOHN AMOS AND OTHER AGENTS | 4100 ALMOND ROAD FORTSON, GA 31808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $757 | $92 | $849 | 5.64% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIRCLE, SUITE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $428 | $169 | $597 | 3.97% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $358 | $195 | $553 | 3.68% |
| LUIS CARLOS GONZALEZ3 Filed as: LUIS CARLOS SR. GONZALEZ | 6755 MIAMI LAKES DRIVE APARTMENT J135 MIAMI LAKES, FL 33014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $217 | $65 | $282 | 1.87% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 195 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 195 | $2.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 195 | $2.4M |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 414 | $279K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 414 | $240K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 414 | $240K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 195 | $2.4M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 414 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.